Does anyone know of a way to include a financial calculator (like excel spreadsheet) to a quiz using Proctorio with the browser locked? 

The standard answer would be to embed a file for them to download BUT this is a closed note exam. As soon as you download a file you are out of the 'lock-down' function. 

Can I embed a functioning excel spreadsheet INSIDE the quiz wihout requiring a file download? 

Canvas surely has run finance exams, does anyone have experience here?